Compare Bank & Credit Union Rates
Best CD rates in Bel Air, MD
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Bel Air, MD
- 4.30%APY$321 over 9 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
4.23% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - APG Federal Credit Union15-Month Certificate SpecialCD · 15 months · $100 min
Credit union · 1 branch
4.20%APY$528 over 15 months on $10,000intro rateRequirements
Product: Promotional special. Rate and promotion are subject to change at any time without notice. Minimum deposit of $100. 15-month certificate will automatically renew to an 18-month term upon maturity unless action is taken. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Automatically renews to an 18-month term upon maturity unless action is taken. Promotional offer.
Promotional rate · 4.13% interest rate · Effective Jul 24, 2026
Rate checked
More details - 4.15%APY$486 over 14 months on $10,000intro rate
Requirements
Product: Minimum balance to open is $500. New money only; funds may not already be on deposit in a Point Breeze account. Interest is compounded and credited monthly. Early withdrawal penalties may apply if any portion of principal is withdrawn prior to maturity. Offer not available to financial institutions.
Offer: 14 Month Promotional CD. New money only. At the conclusion of the 14-month special offer period, the CD automatically renews for a 12-month term at the APY in effect at renewal.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Minimum deposit $1,000. Early withdrawal penalty may apply. Step-Up CDs allow one rate adjustment during term.
4.03% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Compounded and credited monthly. Minimum balance to open is $10,000. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.
Offer: 12 Month Jumbo CD. Interest compounded and credited monthly.
Effective Oct 3, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Compounded and credited monthly. Minimum balance to open is $500. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.
Offer: 12 Month Standard CD. Interest compounded and credited monthly.
Effective Oct 3, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - APG Federal Credit UnionMember Rewards Gold CertificateCD · 48 months · $100 min
Credit union · 1 branch
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Requires Member Rewards Gold level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Gold level
3.50% interest rate · Effective Oct 3, 2026
Rate checked
More details - APG Federal Credit UnionMember Rewards Silver CertificateCD · 48 months · $100 min
Credit union · 1 branch
3.43%APY$1,444 over 48 months on $10,000Requirements
Product: Requires Member Rewards Silver level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Silver level
3.38% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$689 over 25 months on $10,000intro rate
Requirements
Product: During the term, you can 'step up' to a current, higher rate. Your new rate will be effective from the change date until the end of the original term. No additional deposits permitted. Dividends are compounded and credited quarterly on the daily balance. Early withdrawal penalties and fees may reduce earnings.
Promotional rate · 3.21% interest rate · Effective Oct 3, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Bel Air, MD
205 CDs at 11 banks and credit unions · checked Oct 4–22
- Typical
- 1.51%
- Top 10% from
- 3.75%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.43%
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Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches